SYSTEM FOR STRUCTURED ENCRYPTION OF PAYMENT CARD TRACK DATA
First Claim
1. A method for securing data conveyed over a communications network between a point-of-sale system that receives track data from payment cards and a payment gateway that performs payment card authorization operations, comprising:
- with processing circuitry at the point-of-sale system, obtaining track data from a payment card;
with the processing circuitry at the point-of-sale system, removing selected primary account number digits from a primary account number in the track data;
with the processing circuitry at the point-of sale system, compressing the removed primary account number digits to form compressed primary account number data; and
with the processing circuitry at the point-of sale system, inserting the compressed primary account number data into a discretionary field of the track data to create a modified discretionary field.
12 Assignments
0 Petitions
Accused Products
Abstract
A system may include a point-of-sale system that gathers payment card track data from a payment card and a payment card gateway that processes the track data to authorize purchase transactions. The point-of-sale system may remove sensitive data such as a portion of a primary account number from the track data and may compress the removed data. The compressed version of the data may be appended to a discretionary field in the track data. The discretionary field may be encrypted following insertion of the compressed data. Track data that has been modified in this way may be conveyed to the payment gateway for processing.
31 Citations
20 Claims
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1. A method for securing data conveyed over a communications network between a point-of-sale system that receives track data from payment cards and a payment gateway that performs payment card authorization operations, comprising:
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with processing circuitry at the point-of-sale system, obtaining track data from a payment card; with the processing circuitry at the point-of-sale system, removing selected primary account number digits from a primary account number in the track data; with the processing circuitry at the point-of sale system, compressing the removed primary account number digits to form compressed primary account number data; and with the processing circuitry at the point-of sale system, inserting the compressed primary account number data into a discretionary field of the track data to create a modified discretionary field. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method for securing data conveyed over a communications network between a point-of-sale system that receives track data from payment cards and a payment gateway that performs payment card authorization operations, wherein the track data includes personal account number data and a discretionary field, the method comprising:
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with processing circuitry at the point-of-sale system, compressing selected track data to produce compressed track data, wherein the selected track data has a length and wherein the compressed track data has a length that is shorter than the length of the selected track data; and with the processing circuitry, inserting the compressed track data into the discretionary field. - View Dependent Claims (15, 16, 17)
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18. A method for processing payment card track data, comprising:
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losslessly compressing a part of the payment card track data so that the payment card track data shrinks from a first length to a second length that is shorter than the first length; and inserting the compressed part of the payment card track data into a discretionary field in the payment card track data. - View Dependent Claims (19, 20)
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Specification